Loans displayed from 26 companies have term lengths between minimum 6 months and maximum 10 years and maximum 49.9% APR.

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APR

Total repayable

The amount is based on monthly compounding and for comparison purposes only.

Monthly repayments

M&S Personal Loan - New customers

Fixed monthly repayments

Option to defer your repayments for 3 months

More info

2.8% APR
Representative

£7,823.88

£217.33
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

annual income of at least £10,000

UK resident

aged 18 or over

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.8% per annum would result in a representative rate of 2.8% APR, monthly repayments of £217.33 and a total amount repayable of £7,823.88.

Clydesdale Bank Personal Loan

Apply online and get an instant decision

Any purpose loans

More info

2.8% APR
Representative

£7,823.88

£217.33
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

UK resident

Good Credit Quality

No bankruptcy or CCJs

Aged 23 to 74

Minimum annual income of £15,000

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.8% per annum would result in a representative rate of 2.8% APR, monthly repayments of £217.33 and a total amount repayable of £7,823.88.

Yorkshire Bank Personal Loan

Apply online and get an instant decision

Any purpose loans

More info

2.8% APR
Representative

£7,823.88

£217.33
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

UK resident

Good Credit Quality

No bankruptcy or CCJs

Aged 23 to 74

Minimum annual income of £15,000

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.8% per annum would result in a representative rate of 2.8% APR, monthly repayments of £217.33 and a total amount repayable of £7,823.88.

M&S Personal Loan - Cardholders Only

Fixed monthly repayments

Option to defer your repayments for 3 months

More info

2.8% APR
Representative

£7,823.88

£217.33
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

annual income of at least £10,000

UK resident

aged 18 or over

Hold either a M&S Credit Card, M&S Chargecard or M&S Budgetcard

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.8% per annum would result in a representative rate of 2.8% APR, monthly repayments of £217.33 and a total amount repayable of £7,823.88.

Zopa Personal Loan

No early repayment fees

Simple, quick online process to apply

Free instant quote with no impact on credit score

Peer-to-peer loan

More info

2.9% APR
Representative

£7,835.40

£217.65
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Aged 20 or older

3 years of address history in the UK

Annual income of at least £12,000

Good credit history

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.9% per annum would result in a representative rate of 2.9% APR, monthly repayments of £217.65 and a total amount repayable of £7,835.40.

Sainsbury's Nectar Cardholders Loan

Option to defer repayments for 2 months at the start of the loan

APR Price Promise (T&Cs apply)

More info

2.9% APR
Representative

£7,835.40

£217.65
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 18 to 80

Good credit history

£7500 or more income

Have a Nectar Card

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 2.9% per annum would result in a representative rate of 2.9% APR, monthly repayments of £217.65 and a total amount repayable of £7,835.40.

cahoot Personal Loan

5 minute application

Quick decision

More info

3.04% APR
Representative

£7,851.96

£218.11
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 21 or older

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.0% per annum would result in a representative rate of 3.0% APR, monthly repayments of £218.11 and a total amount repayable of £7,851.96.

Hitachi Personal Loan

Debt consolidation allowed

Personalised quote

Easy online application, instant decision

No arrangement fees

More info

3.1% APR
Representative

£7,858.80

£218.30
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Aged 21 or older

Permanent paid employment, self-employed or retired with a pension

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.1% per annum would result in a representative rate of 3.1% APR, monthly repayments of £218.30 and a total amount repayable of £7,858.80.

AA Personal Loan

Simple online application and instant decision

No arrangement or set up fee

Fixed monthly repayments, for the duration of your loan

More info

3.1% APR
Representative

£7,858.80

£218.30
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 23 or older

No bankruptcy or CCJs and homeowners are more likely to be accepted

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.1% per annum would result in a representative rate of 3.1% APR, monthly repayments of £218.30 and a total amount repayable of £7,858.80.

Post Office Money Personal Loans

No arrangement fees

Funds transferred within 2 working days

More info

3.2% APR
Representative

£7,870.32

£218.62
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

You must be aged between 21 and 70

You must have been a permanent UK resident for 3 years

You must have an annual income of at least £12,000 and have a UK bank or building society account

You must not have a history of CCJ’s or bankruptcy

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.2% per annum would result in a representative rate of 3.2% APR, monthly repayments of £218.62 and a total amount repayable of £7,870.32.

Tesco Bank Personal Loans

Debt consolidation allowed

More info

3.3% APR
Representative

£7,881.84

£218.94
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

18 & older

Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

HSBC Personal Loan

Option of repayment holidays

Make overpayments without charge

Personalised quote online without affecting your credit score

More info

3.3% APR
Representative

£7,881.84

£218.94
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

have a bank or building society account with a Direct Debit facility*

Channel Island and Isle of Man customers must have an HSBC current account

have an annual income/pension before tax of £10,000 or more

be a resident of the UK

be over 18

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

HSBC Personal Loan For Current Account Holders

Personalised quote online without affecting your credit score

Instant credit decision, same day funds

Make overpayments without charge

More info

3.3% APR
Representative

£7,881.84

£218.94
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

have an HSBC current account, other than basic

have an annual income/pension before tax of £10,000 or more

be a resident of the UK

be over 18

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.3% per annum would result in a representative rate of 3.3% APR, monthly repayments of £218.94 and a total amount repayable of £7,881.84.

NatWest Online Personal Loan (Current Account Customers Only)

5 minute application

Quick decision

More info

3.4% APR
Representative

£7,893.36

£219.26
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 21 or older

Existing customers only

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Royal Bank of Scotland Online Personal Loan

Debt consolidation allowed

No set-up fee

View and track your loan in Digital Banking

Current account customers only

More info

3.4% APR
Representative

£7,893.36

£219.26
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

21 or older

Good

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Nationwide Personal Loan - Members only

Only available to members who hold a main current account with Nationwide

No set-up fees or hidden charges

Instant online decision

More info

3.4% APR
Representative

£7,893.36

£219.26
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 18 or older

Existing customers only

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Santander Personal Loan

5 minute application

Quick decision

More info

3.4% APR
Representative

£7,893.36

£219.26
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

21 & older

Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.4% per annum would result in a representative rate of 3.4% APR, monthly repayments of £219.26 and a total amount repayable of £7,893.36.

Sainsbury's Personal Loan

Option to defer repayments for 2 months at the start of the loan

APR Price Promise (T&Cs apply)

More info

3.6% APR
Representative

£7,916.76

£219.91
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 18 to 80

Good credit history

£7,500 or more income

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.6% per annum would result in a representative rate of 3.6% APR, monthly repayments of £219.91 and a total amount repayable of £7,916.76.

exclusive

Fluent Personal Loan

No early repayment fees

Simple, quick online application

Free instant quote with no impact on credit score

Debt consolidation allowed

More info

4.0% APR
Representative

£7,962.84

£221.19
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Aged 20 or older

3 years of address history in the UK

Annual income of at least £12,000

Good credit history

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.0% per annum would result in a representative rate of 4.0% APR, monthly repayments of £221.19 and a total amount repayable of £7,962.84.

Nationwide Personal Loan

Debt consolidation allowed

No set-up fees or hidden charges

Instant online decision

More info

4.6% APR
Representative

£8,032.32

£223.12
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 18 or older

Existing customers only

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.6% per annum would result in a representative rate of 4.6% APR, monthly repayments of £223.12 and a total amount repayable of £8,032.32.

Lendable Personal Loan

Instant Decision

Same-day funds

No early repayment fees

More info

6.7% APR
Representative

£8,275.68

£229.88
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Permanent UK resident

Aged 20 or older

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 3.6% per annum and a fee of 4.8% would result in a representative rate of 6.7% APR, monthly repayments of £229.88 and a total amount repayable of £8,275.68.

Ratesetter Personal Loan

Debt consolidation allowed

No early repayment charge

Money in your bank in one working day

More info

6.9% APR
Representative

£8,298.72

£230.52
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

UK resident

24 & older

Good credit quality

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 6.5% per annum and a fee of £21.00 would result in a representative rate of 6.9% APR, monthly repayments of £230.52 and a total amount repayable of £8,298.72.

Lending Works Personal Loan

No repayment holidays

Funds available within 24 hours

No fees for early repayment

More info

10.41% APR
Representative

£8,705.16

£241.81
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Excellent Credit Required

Permanent UK resident

Aged 21 or older

No bankruptcy or CCJs

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 4.5% per annum and a fee of £639.00 would result in a representative rate of 10.4% APR, monthly repayments of £241.81 and a total amount repayable of £8,705.16.

Citrus personal loan

Same day decision

Accepted Rates based on your individual circumstances considered

More info

22.5% APR
Representative

£10,098.72

£280.52
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Must be 23 years or older.

Earn a gross annual income greater than £15,000.

Homeowners and Tenants accepted.

Are not bankrupt, currently under IVA or a Debt Management Arrangement.

Did not have any CCJ's or Defaults in the last 12 months.

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 22.5% per annum would result in a representative rate of 22.5% APR, monthly repayments of £280.52 and a total amount repayable of £10,098.72.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 12.7% per annum would result in a representative rate of 24.9% APR, monthly repayments of £288.14 and a total amount repayable of £10,373.04.

Homeowner guarantor loan

Both you and your guarantor must be homeowners

Guarantor cashback reward

Available to customers with fair credit

More info

29.0% APR
Representative

£10,840.68

£301.13
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

You and your guarantor must be homeowners

You and your guarantor are at least 25 years old

You earn a minimum of £1,200 per month

Your guarantor earns a minimum of £1,500 per month

You and your guarantor must have reasonable credit

Your mortgage, or your guarantor’s mortgage has not been in arrears in the last 6 months

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 25.7% per annum would result in a representative rate of 29.0% APR, monthly repayments of £301.13 and a total amount repayable of £10,840.68.

Opal homeowner loan

Same day decision

Accepted Rates based on your individual circumstances considered

More info

29.9% APR
Representative

£10,942.92

£303.97
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Must be 25 years or older.

Earn a gross annual income greater than £15 000.

Must be a UK homeowner.

Did not miss any payments on your mortgage in the last 12 months.

Are not bankrupt, currently under IVA or on a Debt Management Arrangement.

Did not have any CCJ's in the last 12 months.

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 29.9% per annum would result in a representative rate of 29.9% APR, monthly repayments of £303.97 and a total amount repayable of £10,942.92.

TFS Guarantor Loan

Everyone is considered

Quick approval

Easy to repay early

More info

39.9% APR
Representative

£12,069.00

£335.25
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Available to UK resident Only (excluding Northern Ireland)

Guarantor Must be a Home Owner and not a partner of the applicant

Aged 18 to 75

Bad Credit Specialists

CCJ's & Defaults considered

All income accepted including benefits subject to affordability

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 39.9% per annum would result in a representative rate of 39.9% APR, monthly repayments of £335.25 and a total amount repayable of £12,069.00.

Guarantor My Loan

Tenant and homeowner guarantors accepted

Guarantor cashback reward

Weekly and fortnightly payment options

More info

48.9% APR
Representative

£13,065.12

£362.92
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

You and your guarantor are at least 21 years old

You earn a minimum of £600 per month

Your guarantor earns a minimum of £1,000 per month

Your guarantor must have reasonable credit

Neither you, or your guarantor are currently bankrupt or engaged in an IVA

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 40.5% per annum would result in a representative rate of 48.9% APR, monthly repayments of £362.92 and a total amount repayable of £13,065.12.

Bamboo Loan

Quick approval, no upfront fees

Easy to apply from your mobile or online

Same-day payout available. A guarantor may be required

More info

49.7% APR
Representative

£13,152.96

£365.36
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

A guarantor may be required

UK resident (excluding Channel Islands or Isle of Man)

Adverse credit history considered

CCJs allowed, must not be currently insolvent or bankrupt

Minimum age 18

£600 net monthly income, must have a UK bank account

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 41.0% per annum would result in a representative rate of 49.7% APR, monthly repayments of £365.36 and a total amount repayable of £13,152.96.

Aspire money loan

Same day funding

Loans available to suit most circumstances

More info

49.9% APR
Representative

£13,174.92

£365.97
repayable
per month

Can I get this loan?

Please make sure you at least meet the following criteria:

Be employed

Minimum yearly income of £12,000

Aged 18 to 65

Homeowners and tenants considered

Adverse credit considered

Additional criteria for acceptance from the lender may apply.

Representative example: Assumed borrowing of £7,500 over 36 months at a fixed rate of 49.9% per annum would result in a representative rate of 49.9% APR, monthly repayments of £365.97 and a total amount repayable of £13,174.92.

Warning: Late repayments can cause you serious money problems. For more information see our debt help guides.

uSwitch Limited is a credit broker, not a lender, for consumer credit products. Our services are provided at no
cost to you, but we may receive a commission from the companies we refer you to. For some loans a broker fee of
up to 12.5% may be added to the cost of the loan.

About personal loans

While a credit card is a common way to borrow a small amount of money for a short time, and a mortgage a common way to borrow a large amount, unsecured personal loans can be the best way to borrow a fixed amount of between £1,000 and £35,000.

Why choose a personal loan?

For borrowing a certain fixed amount personal loans often work out the cheapest option when compared to borrowing on a credit card or working into your overdraft. However, to get the most out of your unsecured personal loan you need to know what to look out for.

How much can you borrow on a personal loan?

Unsecured personal loans are typically for borrowing anywhere from £1,000 to £35,000. Generally speaking loans are cheaper the higher the amount you borrow (as the lender is guaranteed more in interest repayments), although the upper limit for personal unsecured loans tends to be up to £35,000. Above that will usually be secured loans.

How do I know if a loan is good value?

The main criteria to look out for when comparing loans is the APR, or ‘annual percentage rate’. The APR is what loan companies will advertise to you, and is an interest rate that includes fees and charges you will pay to give you an idea of the actual interest rate you will pay over the course of a year.

Loan providers are required by law to show you an APR so you can compare between different loans. The higher the APR, the more you will pay in interest over the lifetime of your loan.

What is a ‘representative’ APR?

Unfortunately, whilst APR is certainly the best way to compare different loans, finding out which APR you will be offered is trickier. A representative ‘APR’ shows you the interest rate that at least 51% of people who applied for the loan were offered.

That means that when you apply you may be offered a higher rate based on your credit history. Unfortunately you have no way of knowing this until you apply for the loan, which will leave a footprint on your credit file. Too many footprints and you may be turned down for loans in future.

What else should I know about loans?

The majority of loans make their money – and hence justify the lower APRs – by fixing the rate and term of the loan. So, for instance, if you borrow £1,000, you will know from the outset exactly how much per month you will be repaying and what your total interest payments are.

To counteract you paying back the loan early, loan providers may charge you early repayment penalties if you try and pay back too much of your loan too quickly. Some loan providers won’t charge this, so read the fine print.

You should also know the difference between secured and unsecured loans. Secured loans are linked to your property, so if you can’t pay back the loan your home may be repossessed, making them a very risky proposition.

uSwitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website.